What distinguishes the 'own occupation' definition of disability from the 'any occupation' definition?
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A
Under 'own occupation,' benefits are paid only if the insured cannot perform any job whatsoever
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B
Under 'own occupation,' benefits are paid if the insured cannot perform the material duties of their specific occupation, even if able to work in another field
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C
Under 'any occupation,' benefits are paid if the insured cannot perform their specific occupation's duties
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D
Under 'own occupation,' the insured must be completely bedridden to qualify for benefits